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Terms & Conditions

_Terms and conditions of
the Business and Finance website

Introduction

In these Terms and Conditions of
use, and Privacy and Cookie Policy, you will find details on our services and
policies. We suggest you read them carefully. In any dealings with us we shall
rely on the terms and conditions as being incorporated in to any contract that
will exist between you and The Business and Finance Boutique.

Terms and Conditions

These terms and conditions of use
("Terms & Conditions ") apply to all visits to and all use of
this website of The Business and Finance Boutique (“The Business and Finance
Boutique” )as well as to all information, opinions and/or services provided to
you on or through this website (the “information").

By using this website you agree to
the applicability of these Terms & Conditions. Please note that these Terms
& Conditions may be changed over time and you should refer to the website
for the most up to date set of terms. Such changes will be effective
immediately upon the posting of the modified Terms & Conditions to the
website. Users of the website are therefore advised to regularly read the Terms
& Conditions to monitor any changes.

Object of the site

The object of the site is to allow
project and business owners the ability to search for potential lenders and
investors into their business, project or idea. As well as lenders and
investors you will also, from time to time, find financial institutions that
operate as brokers or financial advisers. At all times, users of this site will
be required to undertake their own due diligence in respect of any
introduction. All Clients and users of the site will inevitably be asked to
enter into terms and conditions with the lender, investor or financial
institution. It is for the Client to agree those terms and conditions. The
Business & Finance Boutique offer no opinion as to the suitability of such
terms for your business or project.

Method of using the
site

To use the site you will be
required to register. Once you are registered you will be immediately sent an
email which confirms your account and the website will open automatically to
your portal. You will be deemed to accept these Terms & Conditions and any
modification of the same. Signing into your portal in the future will require
your username which will be your email address and your password. If you lose
your password you can reset your password through “I forgot my password” link
which will resend a reset email to the address we hold on file. Once you are in
the portal you will be offered a choice of one of our three services. There is
a basic service which allows you to search for lenders and investors through a
company name search, country search, type of finance search or an industry type
search. The database will return a response and you will then have contact
details available to approach the lender yourself.

We offer a fixed fee service where
you can submit your business plan and we will undertake a refined search and
offer suggestions to you

Finally we offer a premium service
where we will liaise with you, to assist you in making an approach to a lender
or other financial institution.

Each service is limited in time, as
set out under the individual service that you choose. Once that time period has
expired you will not be able to access the site without subscribing once again
to the level of service that you want and paying the appropriate fee. The onus
is therefore on you to upload your paperwork in a timely fashion.

At no stage will time be of the
essence. The Business and Finance has no control over the speed that lenders or
financial institutions may respond to your request and how this may impact on
your project or business. If you have a deadline you need to make this clear to
any institution. Please therefore allow sufficient time for due diligence when
making your requests

Full details of the services are
described below.

ALL SERVICES WILL ATTEMPT TO MATCH
YOU TO A POTENTIAL LENDER OR INVESTOR. At no stage however can the Business and
Finance guarantee you success.

Services

Request for a call back

All requests for a call back will
be considered in order of priority, with an emphasis being made to those who
have subscribed to the higher levels of service that we offer and who has paid
for a bespoke service. Before requesting a ring back please fully consider all
the terms and conditions as well as frequently asked questions as this may
answer many of your queries without the need to wait for our reply. The ring
back service should not be used as a means of enquiring about whether finance
is available for a specific project as we will refuse to answer those queries
that seek to short cut the other services that we charge for: Only fully paid clients can use this service

Basic Service at a cost
of £99.99

Clients accessing this level of
service will have access to our data base of over 6000 various investors,
lenders, venture capital and financial organisations for a period of 28 days
from the date of their subscription. During this time Clients can search for
lenders and investors who operate in the field that the Client is seeking
funding. Such searches can be conducted either by Company Name, Country, Type
of Finance or industry required. It will be for the searcher to identify the
area that they wish to search and to narrow or broaden their specification to
fit the criteria applied by the lender.

Searchers will acquire contact
details which they can then follow up directly by themselves.

No guarantee can be given that the
lenders will be interested in the project or that the project will be of a
standard to allow for investment or loan.

The Business & Finance Boutique
does not offer any opinion or advice on this service and the Business and
Finance Boutique will not receive or review business plans on this
service. This service is a self-service facility.

If after 28 days of access the Client
still wishes to access the service a further fee will be required and you will
be granted a further 28 days access

Communication link in your portal

Standard Service at a
cost of £1500

Clients accessing this level of
service will be able to upload one business plan which will be considered by
the Business and Finance who will provide a list of suggested lenders and
venture capitalists who in the experience of the Business and Finance Boutique
might consider projects of the sort set out in the business plan. The Business
and Finance cannot guarantee that a lender will be interested or that the
project will pass the detailed requirements of the lender.

The Client will be expected to
submit the business plan of no more than 25 pages together with a one to two
page synopsis of the project which will be used to identify the area of
interest, type of project and the sort of funding that the Client is looking
for. It is crucial therefore that the business plan accurately describes the
funding requirements as the search criteria employed by The Business and
Finance will be based solely on the information supplied.

Searches of the data base will be
undertaken by the Business and Finance Boutique who will supply details of
possible lenders. It will be for the Client to follow up the leads identified
and to satisfy any criteria identified by the individual lenders for funding.
No guarantee of funding can be offered by the Business and Finance Boutique and
it will be for the Client to apply to any lender and follow up on the leads
suggested.

The Business and Finance Boutique
does not charge any commission based on the funding achieved from the Client
but may receive commissions directly from the finance institutions.

The business plan should cover 12
points as set out in the template documents available to subscribers of this
service and once you have registered under this service you will be able to
access a guidance sheet setting out the relevant points that should be included
in a standard business plan. This is available from your portal in one of the
drop down sections to download. In addition to the business plan download, the
portal allows access to a library of various forms that you may require and
there is also a library of financial terms to help you identify the correct
type of financing for your business or project. No warranty is offered by the Business
and Finance however on the adequacy of the forms and the Client should satisfy
themselves as to the relevance and suitability of the forms that they may download
from the site.

Within the fee the Client may be
entitled to one meeting of up to 2 hrs duration, where they can explain their project and the thinking behind the same

If the Client requires a meeting
other than in Hastings then our daily rate of £500 plus business class
travel and accommodation will apply in addition to the fixed fee for the
standard level of service.

This level of service is set at a
consideration of the project as it is presented and the provision of possible
lending institutions based on the business plan supplied .Under this level of
service no attempt will be made by the Business and Finance Boutique to suggest
changes to the project or the business structure but will undertake two revisions to the business
plan to make it more suitable for funding. Should the Client require additional input then they should consider whether they would be better seeking a
premium level of service. The service under this section is limited to a
consideration of the business plan you submit if the business plan is not of standard then only a concept search will be made.

For the avoidance of
doubt included in this service is:

·Access to the Client portal for 90
days

· Facility to upload your business
plan, you will need to tell us about your business so that we can match you to
lenders. If you don't send in your details we cannot search and you will be
charged a full fee

· Help from an experienced financier

-Communication link in your portal

· One meeting with an experienced
financier at the boutiques discretion.

· Provision of a list of lenders or
investors from our advanced database

· Identification of a suggested
type of lender and finance for you subject to qualification by you and passing any due diligence imposed by any
lender

· Access to a library of
information and supporting documents

-If the business plan is not of standard then only a concept search will be made

The portal under this level of
service will last for 90 days after which time the portal will cease to be
available without further subscription. This service does include
consideration of any revised business plan or a document required by any lender
of the making of any application for finance or other facility and is
specifically limited to the consideration of the business plan that is up
loaded and the information supplied at any meeting with the Business and
Finance Boutique.

Any adjustments made to the
business plan or variance to the original plan made at any meeting must be
confirmed by the Client in writing within 3 days of any such meeting. In the
absence of such confirmation the Business and Finance Boutique shall be
entitled to rely solely on the uploaded plan and offer suggested finance
solutions accordingly.

Premium Service
starting from £3000

In addition to the standard
service, described above, the Client will be able to comunicate with the Funding
and Finance Boutique flaws in the business plan or project and suggested
amendments to the project or business structure will be offered. It will be for
the Client to effect such changes. This should enable the project to be honed
to fit known criteria for funding offered by lenders or other financial
institutions.

In addition the Business and
Finance Boutique will undertake a limited amount of due diligence and provide
the Client with material that they can then submit to the lender. No guarantees can be offered that even with this level of input by
the Business and Finance Boutique the project will be accepted by any bank or
other lending institution.

It is envisaged that with this
level of service and from a starting point of a £3000 fee up to 2 reviews will
be included. Suggestions may be offered as to professional partners that might
be employed but it will be for the Client to reach terms of engagement with
such partners and to submit any business plan. Clearly if further input is sought by the Client beyond the
level of service indicated above, terms with the Business and Finance Boutique
can be negotiated on a case by case basis.

Should the Client require
attendance at any meeting with any lender or other financial institution or
professional partner this can be arranged at the daily rate referred to below.

Within this service you
will receive:

· Access to a full Client portal
for a period of up to 365 days

· Progression reports

Communication link in your portal

· Facilities to upload your
business and marketing plan. .You will need to tell us about your business so
that we can match you to lenders. If you don't send in your details we cannot
search and you will be charged a full fee

· up to two review your business plan and
any suggested amendments and provision of reports to you

· Attendance at a meeting and a follow up meeting (at our discretion) without further cost, (Any
further meetings beyond the two envisaged in this level of service will be
subject to charge) Meeting will only be available once a business plan or offering document has been endorsed, no meeting is available at concept level.

· The provision of basic due
diligence

· Access to our staff with over 30
years funding experience

· Provision of a list of lenders
and investors from our advance database (lists are restricted)

· Identification of a suggested type
of lender or investor subject to qualification by you and passing any due diligence imposed by any
lender

·Access to help with specialist
documents subject to a separate fee based on time

· Help with professional
introductions if required (Limited to one introduction per Client)

This service is suitable for
corporate finance and projects that are looking to raise over £1 million
including capital markets.

Other services are available at a discount rate subject to agreement

Cancellation

Once an order has been placed and
confirmed by the payment for the services ordered it shall not be capable of
being cancelled except at the discretion of The Business and Finance Boutique
who shall be entitled to charge an administration fee based on the work
undertaken to the point of cancellation at an hourly rate of £100 per hour..

Information and
Liability

The Information set out is for
general information purposes only and does not constitute advice. At all times
Clients must satisfy themselves as to the suitability and desireability of the
arrangements that they are entering into. The Business and Finance will not be
liable for any damages resulting from the use (or inability to make use) of
this website, including damages caused by viruses or any incorrectness or
incompleteness of the Information on their part, unless such damage is the
result of any wilful misconduct or gross negligence on part of The Business and
Finance Boutique or any one of their employees.

The Business and Finance Boutique
shall not be liable for damages resulting from any lack of suitability,
timeliness or accuracy of this website or the Information or the failure to be
able to supply any item ordered through the website within a specific timescale
or at all.

The Business and Finance Boutique
cannot be held liable for any damages resulting from the use of electronic
means of communication, including, but not limited to, damages resulting from
the failure or delay in delivery of electronic communications, interception or
manipulation of electronic communications by third parties or by computer
programs used for electronic communications and transmission of viruses.

Payment to The Business and Finance
Boutique will only be complete upon money being credited to the Paypal
electronic systems.

The Business and Finance Boutique
disclaims all warranties including, but not limited to, warranties of
conditions, quality, merchantability, fitness for a particular purpose and
non-infringement.

The Business and Finance Boutique
does not accept responsibility for any loss that may arise out of the fact that
subsequent to an order being placed, or finance being offered by any lender or
other financial institution, the same may become available at a lower cost or
on more advantageous terms.

At all the times it shall be the Clients’
responsibility to satisfy themselves as to the suitability and appropriateness
of any finance that is applied for.

Information of third
parties

The Information originating from
third parties constitutes an expression of the personal opinions of those third
parties. The Business and Finance Boutique is not responsible and shall not be
liable for the accuracy such Information.

Hyperlinks on this website may
direct visitors to external websites which are maintained by third parties. The
Business and Finance Boutique shall not be liable for the contents and the
functioning of such external websites nor shall they be liable for the quality
of products or services which may be offered on such external websites. The Business
and Finance allies itself with a number of organisations which it feels may
offer benefits to users of this site.

Posts to the website

If anyone posts unsolicited or
un-requested proposals or ideas and/or materials whether they comprise texts,
sounds, software, images, information or otherwise all of which will
hereinafter be collectively define as “ New Ideas” on this website or send such
New Ideas to The Business and Finance Boutique by email or otherwise, The Business
and Finance Boutique shall be entitled to use, copy and/or commercially exploit
such New Ideas to the fullest extent and free of charge. Business and Finance
Boutique shall not be bound by any confidentiality obligation in respect of
such New Ideas.

Further, by submission of material
constituting a New Idea, the sender hereby indemnify The Business and Finance
Boutique from and against all actions, claims and liabilities, suffered,
incurred or sustained by The Business and Finance Boutique as a result of the
use and/or exploitation of the New Ideas infringing the (intellectual property)
rights of any third party or otherwise being unlawful towards a third party.

Intellectual property

Unless indicated otherwise, all
intellectual property rights to this website and the Information are owned by
The Business and Finance Boutique. These rights include but are not limited to
all copyrights, rights to the trade names, word trademarks, pictorial
trademarks and logos of The Business and Finance Boutique, such as, but not
limited to the rights to "THE BUSINESS AND FINANCE BOUTIQUE".

Users are permitted to read this
website and the Information and make copies for their own personal use, for
example by printing or storing. All other use of the website or of the
Information, for example the storage or reproduction of (a part of) the website
of The Business and Finance Boutique in any external internet site is not
permitted.

Severability

If these Terms of Use are or become
partially void, the parties will continue to be bound by the remainder of the
same. The parties shall replace the void part by provisions that are valid and
have legal effect that correspond with those of such void part as much as
possible, taking into account the content and the purport of these Terms of
Use.

Mandate

Buy using this site you have given your mandate to talk to lenders investors and suppliers of services on your behalf without exception.

GENERAL CONDITIONS

1. These terms shall be governed by English Law in every particular
including formation and interpretation and shall be deemed to be made in
England. Any proceedings arising out of or in connection with this agreement
shall be brought in any Court of competent jurisdiction in London or at a venue
of the choosing of the Business and Finance Boutique. Submission by the parties
to such jurisdiction shall not limit the rights of the Business and Finance to
commence any proceedings arising out of this agreement in any other
jurisdiction it may consider appropriate.

2. Any notice of proceedings or other notice in connection with or
which would give effect to any such proceedings may without prejudice to any
other method of service be served on the party by pre-paid recorded delivery or
registered post or by telex or by electronic mail which shall be deemed to have
been received by the addressee within 72 hours of posting or 24 hours if sent
by telex or by electronic mail to the correct telex number with correct answer
back or correct electronic mail number of the addressee.

3. In the event that the Client is resident outside England its
address for service will be its business address or the address of the managing
director.

4. Time for delivery of any services or facilities by The Business
and Finance shall not be of the essence of this agreement.

5. The Business and Finance Boutique shall not be liable in any way
for loss howsoever sustained occurring to the Client in the event that the
delivery of the Facility is delayed or not provided.

6. Any sum or sums payable to the Business and Finance Boutique
shall bear interest at 4% above Barclays Bank Base rate 7 days after becoming
legally due.

7. In the event that the Client has mis-stated its financial
position or made any material omissions or has misled or deceived any
company/lender/ finance institution or like organisation granting the Facility
or if the security offered proves to be inadequate and no further security can
be offered or circumstances concerning the Client or the nature of its security
come to light which would deter a prudent lender from lending, or there is
failure on the part of the Client to provide all information and documentation
promptly that is reasonably requested by The Funding and Finance Boutique
or Lenders with whom the Client is negotiating, the Client will be removed from
the database immediately and no further access will be granted.

8. In the case of monies paid on account for costs (Premium
Service), The Business and Finance Boutique will assess its costs on a work
done and time spent basis at the prevailing rate for that work and insofar as
the sum due is less than the amount held on account, there will be a refund,
but insofar as the work done exceeds the amount on account, then the balance
due shall be payable immediately by the Client.

9. The Business and Finance Boutique is an independent contractor
and shall not be subject to directions from the Client as to the manner in
which the work is done or from whom the Facility is sought or how the project
is undertaken by The Business and Finance Boutique. The Business and Finance
Boutique will act at its sole discretion in this regard but shall have regard
to the Clients general wishes.

10. Work, documentation and methods utilised by The Business and
Finance Boutique remains The Business and Finance Boutique’s property. The Business
and Finance Boutique retains ownership of the outcome of the work and the
methods used and are subject to confidentiality and copyright. The Business and
Finance Boutique is not obliged to share these methods with the Client in any
way or form

11. The Business and Finance Boutique, with the premium service,
reserves the right to introduce the Client to any professional qualified
individuals or Companies of their choice to assist the Client with the
preparation of any documentation that The Business and Finance Boutique may
require. The Client accepts that they are responsible for all costs in the
entirety for work undertaken by the staff of the introduction and that this
work may be billed periodically.

12. The Client, when prudent to do so, may be introduced to investors
and other lenders by The Business and Finance Boutique.

13. These terms form the entire agreement between the parties and the
Client hereby confirms that there are and have been no representations on which
they rely inducing it to enter into this agreement on behalf of The Business
and Finance Boutique other than such, if any, as are contained in writing made
between the parties.

14. Each of the parties warrants that it has full authority to enter
into this Agreement.

15. Both parties will be released from their respective obligations
in the event of national emergency, war, prohibitive governmental regulation or
if any other cause beyond the reasonable control of the parties or either of
them renders the performance of the Agreement impossible.

16. If any provision of this Agreement or those conditions is
declared by any judicial or other competent authority to be void, voidable
illegal or otherwise unenforceable the remaining provisions of this Agreement
shall remain in full force and effect.

17. The Client hereby warrants to indemnify and keep indemnified The Business
and Finance Boutique from and against any and all loss damage or liability
suffered and costs incurred by The Business and Finance resulting from a breach
of this Agreement by the Client including any act of neglect or default by the Clients
agents employers licensees or customers.

18. It is understood that in the performance of their duty The Business
and Finance Boutique will obtain information about both the Client/company and
the company's Clients and that such information may include financial data, Clients
lists, methods of operating, policy statements and other additional
confidential data.

The Business and Finance Boutique
agrees to restrict their use of any such above-mentioned information to the
performance of their duties described in this Agreement and further agrees to
return all documents upon completion of their duties.

19.THE BUSINESS& FINANCE
BOUTIQUE’S CHARGES: Premium service only by arrangement

Specialist Documents:from £500 Legals and Overseas work: by arrangement. Due Diligence from £2,000.

Standard service: £750 fixed fee Meetings out of office: £500 a day (up
to 5 hours) plus business expenses and
travel as above

Nominal costs:

Additional Meetings: charged £100 per hour or part thereof Additional Business plan reviews:
from £500

Disclaimer

The owners of this site strive to ensure the accuracy of the information that
is supplied, but cannot be held liable for any loss or delay caused if the
contact details given for any institution have changed since the site was last
updated.

Users should ensure therefore that
if they intend to send time sensitive packages by any mode of communication,
that they check with the intended recipient that the same have been received in
a readable format and obtain a receipt for the same if they believe this is
important for them.

If you find a search result with
for instance an email address that has been updated then you are asked to
report the information to our administrator sales@financeandfunding.com

PLEASE NOTE

Finding lenders does
not ensure funding of your business.

Your business plan will
be subject to due diligence and underwriting criteria's.

Each lender and contact
that you might find on this database will have their own working methods,
criteria and terms and conditions. You will be contracting with them directly
and should undertake your own due diligence as to the suitability of the
organisation or individual.

If you want help with
your business plan, you should subscribe to the fixed fee service or the
premium services. Both of those services offer support in this area as
described in the appropriate section of the Terms & Conditions.

You cannot send
business plans in without subscribing. We will only deal with the services
published and the Clients registered to utilise those services.

You should familiarise yourself with our working
practices, Terms and Conditions and the services before committing to the
service of your choice. If you do not respond to the portal your case may
remain static and may not progress

Call back requests. Only available for existing clients or their brokers but you have full communications through your portal

IMPORTANT NOTICE. The Boutique does not enter into full correspondence with clients, we do not accept emails or give advice on the telephone unless those facilities are entered into by contract for which there is a cost. You should familiarise yourself with each product and with the services that those products provide for as they are strictly adhered to. If you are going to need help then you should choose level 3 at all times and for any amount of financing as this service has more flexibility and a personal service. Questions will be answered when time permits, in general terms you submit your business plan, we will ask questions for underwriting purposes and an underwriter will then provide a report and you can act on that report, then within a reasonable time period searches will be made and the results published for you to deal with. If you want staff from the Boutique to assist to work with you with lenders with your presentation, you will need to enter into contractual arrangements for which you will be charged. Questions and cases are dealt with in order and generally the Boutique is dealing with several hundred cases at any one time. To enable us to work quickly on you behalf the portal system has been developed and is efficient.You receive a communication link with 10 credits as a default with all our services. You can purchase additional credits.

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